| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 01073 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $80K | $14K | $94K | 1.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | $17K | $30K | 11.68% |
| ELLEN J. GLEW3 | 312 MOUNTAIN ROAD HARPSWELL, ME 04079 | AFLAC | $1K | $14 | $1K | 3.33% |
| ELLEN J. GLEW3 | 121 CHESTNUT STREET NORTH READING, MA 01864 | AFLAC | $761 | $64 | $825 | 2.42% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $647 | $16 | $663 | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $616 | $0 | $616 | 1.81% |
| JOHN M. BARR3 | 40 WASHINGTON STREET BEDFORD, MA 01730 | AFLAC | $386 | $16 | $402 | 1.18% |
| THE PROTECTOR GROUP INS. AGENCY3 Filed as: PROTECTOR GROUP INS. AND VARIOUS | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | AFLAC | $363 | $0 | $363 | 1.06% |
| AARON K BADEN3 Filed as: AARON K. BADEN | 73 SOUTH STREET GREAT BARRINGTON, MA 01230 | AFLAC | $183 | $0 | $183 | 0.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 5.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$124 | $0 | -$124 | -0.42% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 745 | $6.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 513 | $29K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 579 | $257K |
| Short-term disability | AFLAC | 57 | $34K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 579 | $257K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | 745 | $6.0M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 579 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.